Company Overview
West Wales Financial Services Limited is listed at the official companies registry as in Liquidation Private Limited Company. The company was incorporated on Thursday 20 February 2003, so this is a well established company. West Wales Financial Services Limited has been in business for 23 years and 1 month. The accounts status is micro entity and the accounts are next due on Monday 28 February 2022.
Registered Address

Fortis Insolvency Limited, 683-693 Wilmslow Road, Manchester, M20 6RE
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Companies House Data
Company NameWEST WALES FINANCIAL SERVICES LIMITED
Company Number04672133
Registered Office AddressFortis Insolvency Limited
 683-693 Wilmslow Road
 M20 6RE
Company CategoryPrivate Limited Company
Company StatusLiquidation
Country of OriginUnited Kingdom
Incorporation Date20/02/2003
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2022
Accounts Last Made Up Date31/05/2020
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date20/03/2017
Returns Last Made Up Date20/02/2016
Directors & Members
Show Resigned
David Lewis - Director
(British, 71 years old, born May 1955)
Appointed 20 February 2003
 Active
Colin Mudge - Director
(British, 65 years old, born November 1961)
Appointed 20 February 2003
 Active
Secretaries
Show Resigned
Colin Mudge - Secretary
(British)
Appointed 20 February 2003
 Active
Other Company Directorships
David Lewis
No companies found
Colin Mudge
No companies found
Balance Sheet Unlock full report
Accounts Date 31-May-2020 31-May-2019 31-May-2018
Balance Sheet
Fixed Assets 1,713 1,713 2,015
Current Assets 188,733 188,733 202,046
Creditors Due Within One Year 102,143 102,143 95,872
Working Cap 86,590 86,590 106,174
Total Assets Less Current Liabilities 88,303 88,303 108,189
Long-term Liabilities 15,616 15,616 31,319
Net Assets 72,687 72,687 76,870
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 72,687 72,687 76,870
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2020 31-May-2019 31-May-2018
Tangible Fixed Assets - - -
Fixed Assets 0.9% 0.9% 1.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 99.1% 99.1% 99.0%
Creditors Due Within One Year 53.6% 53.6% 47.0%
Net Current Assets Liabilities 45.5% 45.5% 52.0%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 38.2% 38.2% 37.7%
Capital Employed - - -
Total Assets Less Current Liabilities 46.4% 46.4% 53.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2020 31-May-2019 31-May-2018
Liquidity Ratio 1.8 1.8 2.1
Solvency Ratio 1.6 1.6 1.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-May-2020 31-May-2019 31-May-2018
Assets 190,446 190,446 204,061
Debt 117,759 117,759 127,191
Net Assets/Debt 72,687 72,687 76,870

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Liquidators' statement of receipts and payments to 22 July 2025
Liquidators' statement of receipts and payments to 22 July 2024
Liquidators' statement of receipts and payments to 22 July 2023
Liquidators' statement of receipts and payments to 22 July 2022
Registered office address changed from 6a Llys Y Barcud Clos Gelliwerdd Cross Hands Industrial Estate Cross Hands SA14 6RX Wales to Fortis Insolvency Limited 683-693 Wilmslow Road Manchester M20 6RE on 7 August 2021
Notice to Registrar of Companies of Notice of disclaimer
Appointment of a voluntary liquidator
Resolutions
Statement of affairs
Confirmation statement made on 20 February 2021 with updates
Confirmation statement made on 20 February 2020 with no updates
Current accounting period extended from 30 May 2019 to 31 May 2019
Confirmation statement made on 20 February 2019 with no updates
Confirmation statement made on 20 February 2018 with no updates
Registered office address changed from 4-5 Quay Street Carmarthen Carmarthenshire SA31 3JT to 6a Llys Y Barcud Clos Gelliwerdd Cross Hands Industrial Estate Cross Hands SA14 6RX on 17 August 2017
Confirmation statement made on 20 February 2017 with updates
Annual return made up to 20 February 2016 with full list of shareholders
Termination of appointment of Katrina Vincent Mudge as a director on 1 February 2016
Termination of appointment of Tegwen Lewis as a director on 1 February 2016
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